The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,465
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,978
−HK$520/mo
Today · 4.125%
HK$17,498
baseline
▲ 0.50% · 4.625%
HK$18,563
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,996/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,318
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$498/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,758
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,373
−HK$625/mo
Today · 4.125%
HK$20,998
baseline
▲ 0.50% · 4.625%
HK$22,275
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,996/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,981
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,571
−HK$598/mo
Today · 4.125%
HK$23,169
baseline
▲ 0.50% · 4.625%
HK$24,390
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,338/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,052
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,769
−HK$728/mo
Today · 4.125%
HK$24,497
baseline
▲ 0.50% · 4.625%
HK$25,988
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,994/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,645
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$698/mo
Today · 4.125%
HK$27,030
baseline
▲ 0.50% · 4.625%
HK$28,455
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,060/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,638
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,560
−HK$936/mo
Today · 4.125%
HK$31,496
baseline
▲ 0.50% · 4.625%
HK$33,413
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,992/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,972
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,856
−HK$897/mo
Today · 4.125%
HK$34,753
baseline
▲ 0.50% · 4.625%
HK$36,585
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,506/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,626 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).